Federal employees and retirees will have some added health insurance protection in 2015 if disaster strikes.
Beginning next year, many enrollees in the Federal Employees Health Benefits Program won’t have to worry about paying separate (i.e., potentially more) out-of-pocket expenses for different benefits, like prescription drugs, the way some currently do. The out-of-pocket cap in 2015 for in-network care, known as catastrophic protection in FEHBP, cannot exceed $6,600 for a self-only plan in 2015, and $13,200 for a self and family plan.
That means those amounts are the most an enrollee would have to pay out-of-pocket in 2015 (within network) for deductibles, co-payments and co-insurance under the umbrella of catastrophic benefits coverage. The selected plan’s actual catastrophic protection benefit can be lower than the caps.